HY农商行信贷风险管理及防范对策研究

发布时间：2018-02-27 22:16

本文关键词： 农村商业银行信贷风险风险防范　出处：《广东财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村商业银行由农村信用社深化改革而来，，是金融改革的产品，联系城乡的主要金融纽带，农村商业银行作为支农、惠农的主力军，是我国农村地区资金和金融服务的主要提供者。HY市农村商业银行（下称“HY农商行”）是在2008年8月由HY市源城区农村信用合作联社改制而来，作为HY市本土首家农村商业银行，一直都致力于提升金融服务水平，不断为促进地方经济发展出一份力。信贷风险管理是当前我国商业银行经营发展十分重要的一个课题。对于HY农商行而言，贷款是其提供金融服务的主要渠道，贷款风险的高低直接关系到其自身的生存和发展，并在一定程度上影响HY市农村经济发展和农业结构调整。因此，若HY农商行的贷款风险不能得到有效的管理和控制，将有可能会影响到其经营发展甚至制约HY市新农村建设。在这种背景下，研究HY农村商业银行的贷款风险是一个具有社会意义的课题。本文首先阐述了HY农商行信贷风险管理的研究背景及意义，紧接着对国内外学者关于信贷风险管理的主要研究成果进行了分析，以此作为全文研究的理论基础，然后对信贷风险管理理论进行概述。其次，对HY农商行基本情况、规章制度、信贷风险管理的组织结构等进行分析，并就HY农商行的信贷风险管理现状进行了讨论。再次，结合HY农商行发展现状，指出HY农商行信贷风险存在问题，形成的主要原因：人员素质较低、风险意识淡薄，部门职能转变不到位，及政策扶持力度不足等。最后，针对上述信贷风险提出了防控措施：加强内部管理、落实管理协调机制、完善法人治理结构、加强信贷管理、创新信贷金融服务方式和构建农村社会信用体系等。本文的研究对HY农商行而言，对其提高对信贷风险的认识并加强防范，改善经营发展状况、提高经营效率有一定帮助；对HY市及其他地市的农村合作金融机构而言，可为其防范信贷风险、构建信贷风险管理机制提供借鉴。
[Abstract]:Rural commercial banks come from the deepening reform of rural credit cooperatives. They are the products of financial reform, the main financial ties linking urban and rural areas, and rural commercial banks are the main force supporting agriculture and benefiting farmers. HY City Rural Commercial Bank (hereinafter referred to as "HY Agricultural Commercial Bank") was reorganized in August 2008 by the Rural Credit Cooperation Association of Yuancheng District of HY City. As the first rural commercial bank in HY city, HY is the main provider of funds and financial services in rural areas. Has been committed to improving the level of financial services, to continue to promote the local economy to develop a contribution. Credit risk management is a very important subject in the management and development of commercial banks in our country at present. For HY agribusiness banks, loan is the main channel to provide financial services, and the level of loan risk is directly related to their own survival and development. And to some extent affect the rural economic development and agricultural structure adjustment of HY. Therefore, if the loan risk of HY agribusiness can not be effectively managed and controlled, It may affect the development of HY and even restrict the construction of new countryside in HY. Under this background, it is a social significance to study the loan risk of HY rural commercial bank. This paper first expounds the research background and significance of credit risk management of HY agribusiness bank, and then analyzes the main research results of domestic and foreign scholars on credit risk management, taking it as the theoretical basis of the full text research. Then the theory of credit risk management is summarized. Secondly, the basic situation, rules and regulations of HY agribusiness, the organizational structure of credit risk management are analyzed, and the present situation of credit risk management of HY agricultural firm is discussed. Combined with the present development situation of HY agribusiness bank, the paper points out the problems existing in the credit risk of HY agribusiness bank, the main reasons of which are the low quality of personnel, the weak risk consciousness, the lack of functional transformation of the department, and the lack of policy support, etc. In view of the above mentioned credit risk prevention and control measures are put forward: strengthening internal management, implementing management coordination mechanism, perfecting corporate governance structure, strengthening credit management, innovating credit financial service mode and constructing rural social credit system. The research in this paper is helpful to HY agribusiness to improve its understanding of credit risk and strengthen prevention, to improve the situation of management and development, to improve the management efficiency, and to the rural cooperative financial institutions in HY and other cities. It can provide reference for preventing credit risk and constructing credit risk management mechanism.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

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